Information if you end up at the ER

I wanted to touch base with you and see how everything is going with your health insurance plan?  Open enrollment for 2015 was tougher for everyone than the initial signup.  One thing I want you to know about is if you have to go to the hospital or ER and they demand payment right there, per the carriers, don't do it. They have to go through the normal process of submitting the claim to the carrier.  I recently had someone call me and said that the people at the ER were demanding cash or credit card right there on the spot and he didn't know what to do.  He didn't pay them and insisted they use his insurance card which they eventually did.  The carrier said this is becoming a problem and they need to submit the claim to them first. I bet a lot of people buckle and pay over the intimidation.